Finkurve Financial Services Limited has made available the audio recording of its Q3 FY26 earnings call held on February 09, 2026. The company released the recording link following its comprehensive investor presentation that showcased strong operational performance and strategic positioning as a technology-enabled NBFC focused on gold-backed lending.

Performance Highlights for Q3 FY26

The company demonstrated robust growth across key operational metrics during the quarter. Assets Under Management reached ₹833.15 crore, marking a significant 119% year-on-year increase from ₹381.08 crore in Q3 FY25.

Financial Performance and Profitability

The company's financial results for Q3 FY26 showed continued growth momentum. Total income increased to ₹52.47 crore compared to ₹40.00 crore in Q3 FY25, representing a 31.19% year-on-year growth. Profit for the period reached ₹6.98 crore, up 23.86% from ₹5.64 crore in the corresponding quarter last year.

Earnings Call Recording Availability

Following the completion of the analyst and institutional investor meet on February 09, 2026, Finkurve Financial Services has provided access to the audio recording of the earnings call. The recording covers discussions on the company's financial performance for the quarter ended December 31, 2025.

Strategic Focus and Market Position

Finkurve Financial Services operates as part of the Augmont Group ecosystem, leveraging over 25 years of gold industry experience. The company has strategically shifted its focus to retail gold loans, which now constitute 93% of its loan book as of Q3 FY26, compared to 39% in FY23. The presentation highlights the company's pan-India presence with 98 branches across four states - Telangana (47 branches), Andhra Pradesh (33 branches), Karnataka (13 branches), and Tamil Nadu (5 branches).

Asset Quality and Risk Management

The company maintained strong asset quality metrics with Net NPA at 0.54% in Q3 FY26, improved from 1.84% in Q3 FY25. Collection efficiency remained robust at 94% for the quarter. The company's conservative approach is reflected in its LTV ratio of 65.8% and diversified funding mix comprising term loans (43.4%), NCDs (29.9%), and overdraft facilities (26.7%).

Finkurve Financial Services Limited has reached a significant milestone with the commencement of its 100th tech-enabled gold loan branch on January 29, 2026. This achievement underscores the company's rapid expansion in the retail secured lending space and marks a pivotal moment in its growth journey.

Remarkable Growth Trajectory

The company's expansion story demonstrates exceptional scaling capabilities in the gold loan segment. The growth metrics highlight the success of Finkurve's strategic approach:

This rapid transformation from approximately 4 branches in 2021 to a robust network of 100 branches today reflects the effectiveness of the company's deliberate expansion strategy.

Technology-Driven Operations

Finkurve has leveraged advanced technology to scale its gold loan operations efficiently. The company's tech-first approach encompasses several key areas:

• Digital underwriting processes for faster decision-making
• Centralized risk management frameworks ensuring consistent standards
• Technology-driven processes enhancing operational efficiency
• Faster turnaround times improving customer satisfaction

These technological capabilities have enabled the company to maintain quality standards while rapidly expanding its physical presence across markets.

Leadership Perspective

Mr. Naveen Kottala, Chief Executive Officer, expressed pride in the achievement, stating that the milestone reflects the strength of the business model and disciplined execution. He acknowledged the contributions of various stakeholders, including customers, partners, lenders, investors, and employees, emphasizing their role in enabling responsible scaling.

The CEO highlighted the company's commitment to disciplined execution, institutional resilience, and creating sustainable value for all stakeholders as it continues to grow in the gold loan segment.

Strategic Positioning

Finkurve Financial Services Limited, also known by its brand name Arvog, operates as a non-banking financial company registered with the Reserve Bank of India. The company's focus areas include:

The company has established itself as a leading gold loan NBFC while maintaining its commitment to providing accessible, technology-driven financial services to a broad customer base across India.